Album sales – Cali Menteur Fri, 24 Jun 2022 13:41:45 +0000 en-US hourly 1 Album sales – Cali Menteur 32 32 CFPB Bites of the Month – Top 10 of June | Hudson Cook, LLP Fri, 24 Jun 2022 13:41:45 +0000

In this month’s Top 10 article, we share some of our best “bites” from the previous month covered in the June 15 webinar.

So what happened at the CFPB last month?

Bite #10 – The CFPB has bolstered state law enforcement efforts.

The CFPB has issued an interpretative rule regarding state efforts to prosecute organizations and individuals who allegedly violate federal consumer financial protection laws. The interpretative rule affirms that states can apply consumer financial protection law to pursue claims and actions against a wide range of entities. It also states that the CFPB’s enforcement actions do not put an end to these state actions. The CFPB also said it plans to consider other measures to promote state enforcement of federal consumer financial protection laws, including ways to facilitate redress for victims.

Bite #9 – The CFPB and New York AG shut down a debt collection organization.

The CFPB, in partnership with the New York Attorney General, has filed a proposed stipulated judgment in federal court to settle a case against a debt collection company and its owners and officers. Together, the company purchased delinquent consumer debt from personal loans, payday loans, credit cards and other sources. The CFPB and the New York Attorney General alleged that the company deceived and harassed consumers, violating the Fair Debt Collection Practices Act and the Consumer Financial Protection Act. The complaint alleges that the owners, managers and businesses used the following illegal tactics to collect the debts:

  • Falsely threatening to be arrested and imprisoned,
  • Lying about a lawsuit,
  • Inflated and misrepresented amounts due,
  • Create “smear campaigns”,
  • Harassing people with repeated phone calls, and
  • Failure to provide legally required information.

The proposed stipulated judgment will require companies, along with their owners and managers, to exit the debt collection market. The defendants must also pay a $2 million fine to the CFPB, which will be deposited into the CFPB’s victim relief fund, and a $2 million fine to the New York Attorney General. If the defendants fail to make the payments in a timely manner, the amount of each penalty will increase to $2.5 million.

Bite #8 – The CFPB has set up its Competition and Innovation Office.

The CFPB announced the opening of an office, now called the “Competition and Innovation Office”, as part of a new approach to fostering innovation and competition. The office will replace the “Innovation Office”, which opened in 2018 and had replaced the Catalyst project, launched in 2014. The CFPB says the new office will support broader analysis of barriers to market opening , better understand how big players “squeeze out” small players, organize incubation events and generally facilitate the change of financial services provider. As part of this change, the CFPB also encourages companies, start-ups as well as members of the public to file regulatory petitions asking for clarity on particular rules.

Bite #7 – The CFPB explains non-banking supervision.

Recently, the CFPB announced that it would begin using a provision of the law to supervise a wider range of non-bank financial companies. Then last month, the CFPB shared a post explaining what “non-banking supervision” means. According to the CFPB, a CFPB exam is similar to a state exam. The CFPB says that before a review, the entity under review will be told what the CFPB will be focusing on, and companies are often asked to show records or provide data so reviewers can assess compliance.

Bite #6 – The CFPB says deleting payment data can be harmful.

The CFPB announced that it had sent letters to CEOs asking them to explain the accuracy of consumer payment information reported to consumer reporting agencies. According to recent CFPB research, about half of the largest credit card companies provide accurate data to credit reporting companies on borrower monthly payment amounts. Several of the largest credit card companies have removed information about the actual payment amount that they had previously provided or provided to consumers. The CFPB said removing information about the actual payment amount may impact consumers’ ability to access credit at the most competitive rates.

Bite #5 – The CFPB approaches credit models using algorithms.

The CFPB published a Circular on consumer financial protection meet adverse action notification requirements under the Equal Credit Opportunity Act (ECOA). The CFPB confirmed that federal anti-discrimination law requires companies to explain specific reasons for taking adverse action, even when relying on credit models using complex algorithms. The CFPB encouraged technicians to provide information and visit the CFPB Whistleblower Program webpage to learn more.

Bite #4 – CFPB Supervisory Highlights targets credit dispute responses.

According to the recent CFPB Supervisory Highlights, reviewers found that credit card companies were sending unclear notices to consumers at the end of dispute investigations. The CFPB noted that the Fair Credit Reporting Act (“FCRA”) requires providers to conduct reasonable investigations into disputes and then “report the results of the investigation to the consumer” generally within 30 days, addressing the specific information required by the FCRA. After the CFPB reviews, some credit card providers revised their notices to comply with the FCRA.

Bite #3The CFPB has terminated a no-action letter issued by the previous administration.

On April 13, 2022, a loan originator notified the CFPB that it intended to add a significant number of new variables to its underwriting and pricing model, and requested termination of its previous “letter of no -action” of the CFPB. As requested by the company, the CFPB has terminated the 2020 “No Action Letter”, effective immediately. The CFPB had granted the originator a “letter of no action” in September 2017 and a second letter in November 2020. The CFPB had immunized the lender against claims under the Fair Lending Act regarding its algorithm for subscription, while the “letter of no action” remained in effect. Under the terms of the 2020 “No Action Letter”, the CFPB had required the lender to notify the CFPB of material changes to its “artificial intelligence” model before they were implemented.

Bite #2 -Te CFPB sought to ban a student loan owner.

The CFPB sued the owner of a student debt relief company for allegedly withdrawing hundreds of thousands of dollars from the bank accounts of student borrowers, without authorization. The CFPB alleged that the company took funds from consumers, without their knowledge or consent, after obtaining their data from a company closed by the CFPB in 2016. The proposed settlement will require the payment of a fine $175,000 to stop participating in debt relief and other activities.

Bite #1The CFPB has launched an initiative to improve customer service in major banks.

The CFPB is invited to give its opinion to the public on how bank customers can assert their rights to better customer service with the big banks. The Information request (RFI) asks what information would be useful for consumers to obtain from their bank. Specifically, the CFPB would like information on the following:

  • What information do people request from their bank and how do they use this information?
  • What information can consumers currently not obtain from their bank?
  • Does how a person contacts their bank make a difference in their ability to get information?
  • Are there any customer service barriers that impede their ability to bank?
  • Is there value in banks disclosing who they share account information with, or compensation they can receive for sharing that information?
  • What do bank customers experience in terms of wait times, disconnected calls, the ability to speak to a person at a specific location, or the quality of answers to questions?

Public comments will inform future policy directions and other initiatives regarding the rights set out in Section 1034(c). The deadline for submitting comments is 30 days after publication in the Federal Register.

Reports too. Besides all these Bites, the CFPB published a report on the Financial well-being in America and the Office of Military Affairs Annual Report.

Always hungry?

Join us for our next CFPB bites of the month: Camp CFPB on July 20. If you missed any of our previous bites, request a replay on our site.

Best Personal Loans Online June 2022 Wed, 22 Jun 2022 16:12:45 +0000

What is an online personal loan?

Personal loans can be used for a variety of purposes, such as consolidating debt, paying for home improvements, or covering unexpected expenses. A personal loan is considered unsecured because it is not backed by collateral. An online loan is a convenient way for you to get a personal loan without having to set foot in a bank or credit union. You can complete the entire application online and, upon approval, receive the money in your account within one to three business days. Approval criteria and interest rate depend on the financial institution.

What are the advantages of an online personal loan?

Online loans are convenient and fast. Many lenders allow you to prequalify and see custom rates and terms before you apply. This is known as a soft credit check and will not hurt your credit score. You can see what conditions you qualify for before applying for the loan. Online loans also allow you to easily search and compare lenders.

After completing the online application, you can be approved within minutes. Some financial institutions will deposit the money into your account on the same business day. All of this can be done without having to pick up the phone or physically go to a bank.

What are the disadvantages of an online personal loan?

Approval for an online loan will be based on your creditworthiness and other factors such as your work history and income. If you don’t have a good credit history or a good credit rating, you may not qualify for a loan or get the best rates. Many local community banks focus on developing close relationships with their customers. Therefore, if you need a loan but cannot meet traditional bank loan approval requirements, community banks may be more willing to help.

Online loans can be more expensive than loans from a credit union. So it’s important to shop around and see the best rates you qualify for. Many online lenders don’t have physical branches, so you won’t be able to talk to someone face-to-face.

There are also predatory lenders who offer personal loans online. Payday loans are usually $500 or less and must be repaid on your next payday. Depending on state laws, people can get payday loans online or through a storefront lender. Although they don’t require a credit check and you may qualify for cash online, a typical two-week payday loan can have annual percentage rates (APRs) of up to 400%. By comparison, credit card APRs can range from 12% to 30%. Payday loans should be considered a last resort.

What to look for in a personal loan

When looking for the best personal loans online, you need to consider a variety of factors.

  • Annual percentage rate (APR). This is the interest rate of the loan. Rates can vary from 4.99% to 35%. Rates are based on creditworthiness and loan term.
  • Amount of the loan. Many lenders have a cap of $50,000, while some can go as high as $100,000. You will need excellent credit to be able to borrow the maximum amount.
  • Repayment Terms. Lenders will offer different repayment options, ranging from two years to 20 years. The shorter the term, the lower the interest rate. However, the amount of the monthly payment will be higher.
  • Discounts. Some lenders will offer a discount for autopaying or bundling other loans. Ask to see what discounts you qualify for.
  • Costs. Lenders may have origination fees or prepayment penalties. Check the fees when comparing lenders.
  • Cosigner. If your credit score is low, you should consider applying to a co-signer who has better credit. Check to see if the lender you are considering allows co-signers.

How to compare online lenders

When looking for the best personal loan online, shop around for the best rates. You can choose to get an online loan from a regular bank, a credit union, or an online-only bank. Online banks usually have better rates because they don’t have the same overhead as regular banks.

  • Check your credit report and credit score. Your score will determine if you qualify for the loan, your interest rate and terms. An excellent credit score is one that is 800 or more. The better your credit rating, the better your interest rate. If your score is low, it may be best to work on improving your score. The difference can be thousands of dollars depending on the loan amount.
  • Determine how much you want to borrow. Personal loans range from $250 to $100,000, depending on the type of personal loan. Refer to your budget to see how much you can afford in monthly payments. You can use a personal loan calculator to estimate your interest rates and payments.
  • Shop around for the best rates. Contact different lenders to find out the loan rate and terms you qualify for. You can research multiple lenders online to find the best loan term for you. Many lenders have a pre-approval process that allows you to seek out the best interest rates without hurting your credit score.
  • Compare other personal loan features. Compare lenders to see if there are any additional fees such as origination fees or penalties for prepaying the loan. Some offer features like flexible payment dates, interest rate discounts, or the ability to add a co-borrower or co-signer.
  • Apply for a personal loan. Once you have selected a lender, you will need to submit an online application. They will perform a rigorous credit check which will impact your credit score. They will process your request and disburse the funds the same day or up to several days later.

How to apply for a personal loan online

Lenders will have different processes for getting a personal loan online, but most will ask you to follow these steps:

  1. Complete a pre-approval form. Many lenders have an online pre-approval form where you can enter your personal information. You will need to provide your work history, income, debts and any other information they require.
  2. The lender checks your credit. Lenders will then check your credit score and history to determine if it meets their minimum requirements. This is usually a soft credit check that won’t hurt your credit score. If a lender doesn’t have a pre-approval option, you won’t know the terms of your loan until you apply, which will impact your credit score.
  3. The lender gives pre-approval. If you qualify for a loan after the lender has checked your credit, they will let you know the terms you qualify for, such as the maximum amount, interest rate, and repayment terms. The minimum credit score depends on the lender. A pre-approval does not guarantee that you will be approved.
  4. Make a formal request for a personal loan. Once you have chosen the lender you want to work with, you officially apply on their website. This usually requires documentation and a rigorous credit check by the lender. If you are not eligible for a loan, the lender will notify you with an unfavorable letter. It will give a reason why you were denied, the credit agency used, and how to get a free copy of your credit report.
  5. Accept the loan contract. Once approved, you sign your loan agreements online and set up your loan for funding. Many banks will disburse the money the same day or the next business day.
Small Payday Loans Online No Credit Check Sat, 18 Jun 2022 17:29:25 +0000

Small payday loans online without a credit check

Get 100% cash advance online even with bad credit. The best service for fast loans!


A credit check can sometimes be applied to some payday loans as well. A credit check is generally not required for many payday loans, but may be requested if the loan is over $10,000. Some lenders require applicants to have a driving record. However, others do not. Your credit score will almost certainly be higher anyway, and your current credit score may not be worth the cost of the loan. Some payday lenders require a social security number or other biometric information for their borrowers. Despite the credit check, you can take small payday loans online without credit check and do it so easily today. You can do it faster and more cost effectively.

Other providers have no minimum deposit or other payment requirements. Once you’ve approved, you’ll receive a confirmation screen and a check in the mail. If your bank hasn’t approved any of your credit cards or you’re a victim of identity theft, you can always contact the lender and ask them to review the information. If the seller hasn’t sent you funds for the debt amount by the time you get to the bank, it’s common for them to simply refund the deposit and return nothing to you.

You will not be charged any fees for refunding the money. Keep in mind that when someone is in a temporary financial crisis, they have no way to recover a cash advance. You won’t be penalized by the lender if you don’t get the promised $300 within seven to ten days of approval. This delay in getting your money is an unfortunate thing for many. If you are able to receive money that you need urgently, use cash advances available for immediate use. These loans offer an inexpensive way to get your money now without having to wait for a credit check. To put it bluntly, it is small online payday loans no credit check and you can take it today. This type of loan is easier to obtain than a bank loan with a lot of paperwork and time.

Why are these types of loans so popular?

Lenders pay a lot of attention to ensuring that the borrower will be able to pay the repayment. With instant loans, you can pay off your payday money in as little as a few minutes. Online Payday Loans, Banks, and Savings Accounts Online loans are available from a variety of credit unions, small and large businesses, and banks. Online loans generally make it easier to get cash advances approved, but there are a few downsides. They can be expensive if you have a large amount, you need to pay early, they can have high interest rates, and they require more frequent paperwork and security such as ID or a guarantor. If you are considering getting a loan, you can always get a small payday loan online without a credit check and it will always benefit you.

Online Payday Loans, Banks, and Savings Accounts Online loans are available from a variety of credit unions, small and large businesses, and banks. Online loans generally make it easier to get cash advances approved, but there are a few downsides. They can be expensive if you have a large amount, you need to pay early, they can have high interest rates, and they require more frequent paperwork and security such as ID or a guarantor.

But online payday loans offer the opportunity to earn more money as an employer with these online loans. You don’t need to have a perfect work history. Some companies allow employees to pay their payroll taxes online with a credit statement and the government will take care of receiving their pay online. If you find yourself in an emergency situation that requires cash, you may want to consider using a cash advance to get cash quickly if you are $500 short or need to get out. quickly from a bad situation.

Monthly fees may be waived for some borrowers, but the loan is generally expensive. The credit scores that companies use to assess the risk of using these types of loans generally do not have the same precision that is used when reviewing a credit score.

Types of loans

The other way to make money fast is through payday loans and cash advances. In this situation, you have a much more limited time to pay off the debt or withdraw the funds as soon as possible. The two most common types of payday loans you come across are cash advances and withdrawals. Cash Advance Payday Cash Advance is a quick way to get cash.

This type of loan is often used to collect charges from your credit card account or to pay a loan from an ATM. Usually, cash advances and cash advances are not used for personal purposes, but for the purpose of withdrawing your money quickly. This type of payday loan gives you up to 10% of the loan principal amount at cash advance rates. Many cash advance lenders charge a higher interest rate than you can receive on your credit card. However, the interest rate is usually very low and often less than 5%. Also, you don’t have to worry about checking your credit history, that’s not the case here, where you can get payday loans no denial direct lenders only and this best way to get quick cash already today.

You won’t have a full credit history before getting a loan. However, instant loans are designed to make it easy for you to pay off debt quickly. The best rate can be made possible with a cash advance loan. Other instant loans Instant loans can be used to make payments on credit cards, student loans or mortgages. You will have an instant interest rate to repay the loan.

Revival Patch Reviews – Will Japanese Revival Patch Work For You? Thu, 16 Jun 2022 17:57:40 +0000

As individuals, we suffer from many disorders and other health problems that are never completely solved by conventional medicine. Many alternative therapies and treatments have been used to fill in the gaps that modern medicine cannot yet explain or cure. Some common alternatives to scientific medicine are acupuncture, homeopathy, reflexology, and oriental practices. Detoxifying foot pads belong to this group of alternative treatments.

What is a Revival Patch?

The manufacturers claim that the Relaunch fixes can promote vitality, relieve stress and tension, and keep your mood in check for a restful night’s sleep. Some people claim that the patches have helped them with back problems, high blood pressure, headaches, cellulite, depression, diabetes, insomnia, and weight loss.

Each user explains how the detox foot patches worked for them. Some claim that while conventional medicine treats the symptoms, the Revival Patch helped detoxify their body and made the patches seem like they were getting to the root cause of their problem. One of the manufacturer’s most persistent claims is that the patch can help reduce aging by detoxifying the body’s vital organs.

Foot body detoxification has been used in ancient Asian medicine for centuries to treat multiple ailments. It mainly relies on natural herbs harvested from Japanese forests as an all-natural remedy. Revival patches are infused with vitamins and extracts and work by eliminating toxins through the sweat glands located in the foot.

How to Use Revival Patches

Revival patches are recommended for nighttime use on the soles of the feet so that they can extract toxins such as heavy metals and parasites. Revival patches should be placed near the bedside table so you can apply and wear them while you sleep.

Tear off the paper and place the detox patch on the soles of your feet. The patches are a little sticky and won’t fall off your feet. You should use them for 6-8 hours to allow the herbs and vitamins in the patch to be fully absorbed. Pads may show results with a color change due to humidity to indicate their effectiveness. Each Revival patch can only be used once and a new patch must be used for the second night.

What are the ingredients in Revival patches?

Revival patches contain the following ingredients:

bamboo vinegar –Bamboo vinegar is a brownish liquid from the condensation of bamboo. Bamboo vinegar has been used for a variety of natural health benefits, such as; promoting better digestion and eliminating foul odors, supporting gut health and liver health, and stopping diarrhea. Findings from a 2013 study show that bamboo vinegar has anti-inflammatory properties in vitro and in vivo.

ginger powder –Ginger powder is extracted by grinding the dried ginger root. It has many culinary uses and health benefits, such as relieving stomach pain. Topical application to the skin can help fight free radicals in the skin for a healthy complexion.

Tourmaline – Tourmaline is a natural gemstone. Although there is no scientific data on its health benefits, it is claimed to promote good health.

Chitin – Chitin is a complex sugar molecule found in the exoskeleton of arthropods and the cell walls of fungi. It is often consumed to provide prebiotic intestinal flora. Application of the compound has anti-inflammatory properties.

The Science Behind Revival Patches

Revival patches contain natural ingredients of various types and compositions. There is evidence that the items have anti-inflammatory properties that can help you ward off disease.

Foot detox patches can be used as alternative remedies for different ailments; nevertheless, there are no scientific studies on Revival patches to support or discourage their use. The Mayo Clinic recommends people wait for scientific evidence before using them.

User reviews and ratings

Although the medical community has not studied or endorsed the use of Revival Patches, they do contain health-promoting ingredients. Customers who have provided reviews are satisfied with the product and say they would recommend using the Revival patches to their close friends and family.

Their overall ratings are very high, with ratings above four out of 5 stars. Most negative reviews are those that claim the pads fall off because the adhesive isn’t strong enough and recommend using socks to hold it in place. in place. One reviewer says he doesn’t understand how the product works, but he’s grateful he used it.

What are the benefits of Revival patches?

Are there any downsides to Revival Patches?

  • The supplement’s website does not contain any information about clinical trials.
  • There is no science supporting its use.

Buy Rebirth Patches

Consumers can purchase the Revival Patches on their official site at the following prices:

  • 10 Revival patches $29.99 + $4.95 shipping
  • 20 Revival patches $44.99 + free shipping included
  • 30 Revival patches $59.99 + free shipping included
  • 50 Revival patches $69.99 + free shipping included
  • 100 Revival patches $109.99 + free shipping included

Customers are offered shipping insurance on Revival patches for an additional $9.99 at checkout. The Revival Patches company offers its customers a 60-day money back guarantee, which can be claimed by contacting customer service at:


Last words

More research needs to be done on the use of detox foot patches and their effectiveness so that they can help consumers use the product correctly. Consumer reviews and favorable ratings can support the use of the product. Revival patches are worn on the feet while the user sleeps to flush out toxins that can build up in the body and cause poor health.

Because customer reviews are so favorable and Revival Patches contain all-natural ingredients, we recommend using Detox Patches. Consumers can head to the official Revival Patches website to exclusively order their first pair >>>


Affiliate Disclosure:

Links in this product review may result in a small commission if you choose to purchase the recommended product at no additional cost to you. This serves to support our research and writing team. Know that we only recommend high quality products.


Please understand that any advice or guidance revealed here does not even remotely replace sound medical or financial advice from a licensed healthcare provider or certified financial advisor. Be sure to consult a professional doctor or financial advisor before making any purchasing decisions if you are using any medications or have any concerns from the review details shared above. Individual results may vary and are not guaranteed as statements regarding these products have not been evaluated by the Food and Drug Administration or Health Canada. The effectiveness of these products has not been confirmed by the FDA or Health Canada approved research. These products are not intended to diagnose, treat, cure or prevent any disease and do not provide any type of enrichment program. Reviewer is not responsible for pricing inaccuracies. See the product sales page for final prices.

Is debt threatening to ruin your retirement before it begins? 4 tips that can help | Personal finance Sun, 12 Jun 2022 11:00:00 +0000

(Kailey Hagen)

Almost everyone gets into debt from time to time, and it’s not always a big deal. But as you approach retirement, you want to get as much out of debt as possible. With fewer payments to worry about, you can further expand your existing savings.

But getting rid of debt, especially high-interest debt, is easier said than done. If you’re struggling to get your finances under control, these four tips might help.

Image source: Getty Images.

1. Focus on high-interest debt first

You should always prioritize debts with the highest interest rates first. If you have payday loans or credit card debt, this is the best place to start. Don’t worry so much about mortgages or other low interest debt. Keep making your payments on these, but don’t put any extra money into them until your high-interest debt is paid off.

The debt avalanche method is a popular strategy for paying off credit card debt across multiple cards. First, you make the minimum payment on all your cards each month. Then you put any remaining money on your debt with the highest interest rate. When you have paid off that debt, you move on to the debt with the next highest interest rate, and so on.

People also read…

You can also try using a balance transfer card or a personal loan. Balance Transfer Cards Temporarily stop your balance growing, so it’s a good choice if you’re sure you can pay off what you owe within the 0% APR introductory period. Otherwise, a Personal loan might be a better option. These give you a predictable monthly payment, so you don’t have to worry about your balance growing.

2. Look for other ways to make more money

Bringing in more money can help you pay off your debt faster. You might be working overtime at your current job or starting a side hustle. Or you can use windfall earnings, like year-end bonuses, pay raises, and birthday money, for debt repayment.

Again, if you have high-interest debt, focus on that first, and you might even want to put your retirement savings on hold for a while. You’re probably paying more interest on your credit card in a year than you’ll earn investing your money, so it makes more sense to spend all your money on that debt first. Then, when it’s paid off, you can save for retirement and work on your other types of debt at the same time.

3. Don’t Touch Your Retirement Savings Sooner

You may be tempted to withdraw some of your retirement savings early to pay off your debts, but this is actually counterproductive. On the one hand, you will pay a 10% early withdrawal penalty if you withdraw money from most retirement accounts before you turn 59.5 — and that’s on top of the taxes you’ll have to pay if the money comes from a tax-deferred account.

You will also significantly reduce your retirement savings. When you start saving again, you will need to save a lot more per month to retire on time. You’d better leave your savings alone so they can grow until retirement.

4. Delay retirement

When all else fails, you can always delay retirement to give you more time to save and pay off your debts. It’s not the ideal solution, but it’s better to run out of money early. You can also slowly transition into retirement, perhaps going part-time for a while before quitting for good.

Everyone’s debt repayment strategy will be a little different, depending on what they owe and how close they are to retirement. But don’t make the mistake of thinking it will get easier over time. The sooner you start paying off your debts, the better off you will be in the long run.

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How bank closures are hurting consumers and what you can do about it Mon, 06 Jun 2022 23:00:54 +0000

Select’s editorial team works independently to review financial products and write articles that we think our readers will find useful. We earn commission from affiliate partners on many offers, but not all offers on Select are from affiliate partners.

It’s no secret that as more and more services go digital, retailers sometimes struggle to find their footing in the new reality. While many imagine in-person shopping being replaced by online retailers, a similar trend is occurring with US banks as consumers continue to visit physical branches less frequently.

In some communities, neighborhood banks forced to close have caused significant damage to local economies and exacerbated existing financial inequalities.

Below, Select details what’s been going on with retail banking lately and how you can choose the best bank account for your personal and financial needs.

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Branch closures hurt consumers and communities

One of the fundamental decisions of personal finance is about choosing where your money resides, and that’s usually in a bank. The vast majority of Americans – around 95% – have opened bank accounts. According to 2019 FDIC data, about 5% of Americans remain “unbanked,” meaning they don’t have a traditional checking or savings account. And as banks continue to close across the country, that makes banking opportunities even more difficult.

For starters, the trend of bank closures is not new. In 2000, there were 8,000 commercial banks in the United States, according to FDIC data. In 2021, just over half of them, 4,236, were still standing, and that number continues to drop even in 2022 – it’s now down to 4,194 as of March 31. The closures are also not limited to small banks in rural communities, as also happens to large traditional banks in densely populated areas.

According to a report by S&P Global Market Intelligence, Wells Fargo leads the pack with 267 bank branch closures in 2021, followed by US Bank and Truist with 257 and 234 branch closures, respectively. The five hardest hit states are California, with 269 branch closures; Michigan, with 247 branches; New York, with 221 branches; Florida, with 192 branches; and Illinois, with 153 branches.

While this trend is widespread, it hits low-income and majority-minority communities even harder. According to National Coalition for Community Reinvestmenta third of the branches closed from 2017 to 2021 occurred in low-income and majority-minority areas.

Nor are the ramifications of banks suddenly disappearing from communities at the surface level – affected residents now have to drive further to make a simple deposit or withdraw money, which takes longer, for example.

The consolidation of bank branches also creates “banking deserts“, when communities do not have access to a bank or credit union within 10 miles. Several studies have shown that these communities are more likely to use non-traditional, high-fee lending options such as than payday loans and check cashing services, which increases inequality and ultimately widens the wealth gap.

Although there may be fewer physical banking locations, there are still options for consumers, despite what may or may not be available locally.

How to choose a bank

When you are When choosing a new bank or credit union, there are several things to consider to help you choose the best one for your financial situation:

Assess account features and fees

First, if your bank charges you a monthly fee, find out why. With a wide variety of no-fee bank accounts available, you really shouldn’t pay for a checking or savings account.

You can also check out other account features to see what might be useful to you. For example, another bank may offer benefits such as free credit monitoring or a higher interest rate than your current bank. Or, if you want better online tools, it might be worth switching to a digitally-savvy bank.

When looking for a new bank, ask yourself this question: what features do I really need?

The answer could be anything from free ATM withdrawals, no overdraft fees or online bill payments to a well-designed website and mobile app, and 24/7 customer service. . Benefits that match your needs should be the focus of your next bank account.

Digital or in-person banking

Whether you live in a big city or a rural community, it’s hard to argue with the convenience of online-only banking. According 2022 JD Power U.S. Direct Banking Satisfaction Studya quarter, or about 27%, of Americans currently use online banking only.

The study also suggests that online banks are the best in terms of customer satisfaction, with Charles Schwab and Discover Bank tied for first place and Ally Bank for third place for checking accounts. Savings accounts had similar results, with American Express, Discover the Bank and Charles Schwab leading the pack.

If you tend to pay for your expenses with cards rather than cash, going digital might be a more efficient decision.

American Express® High Yield Savings Account

American Express National Bank is a member of the FDIC.

  • Annual Percentage Yield (APY)

  • The minimum balance

    Minimum balance to open is $0

  • Monthly fee

  • Maximum transactions

    Up to 9 free withdrawals or transfers per statement cycle *Cycle withdrawal limit of 6/instructions is waived during the Coronavirus outbreak under Regulation D

  • Excessive transaction fees

  • Overdraft fees

  • Offer a current account?

  • Offer an ATM card?

American Express National Bank is a member of the FDIC.

Discover the online savings account

Discover Bank is a member of the FDIC.

  • Annual Percentage Yield (APY)

  • The minimum balance

  • Monthly fee

  • Maximum transactions

    Up to 6 free withdrawals or transfers per statement cycle *Cycle withdrawal limit of 6/instructions is waived during the Coronavirus outbreak under Regulation D

  • Excessive transaction fees

    Discover may refuse to pay for each transaction that exceeds the limits. If you exceed these limits more than occasionally, it may result in the termination of your account.

  • Overdraft fees

  • Offer a current account?

  • Offer an ATM card?

    Yes, if you have a Discover current account

Take advantage of welcome bonuses

Much like rewards credit cards, banks sometimes offer welcome bonuses to attract new customers, usually in the form of cash incentives for maintaining a specific balance in your account or for setting up direct deposit with your employer.

Personally, I got into the habit of changing banks to get welcome bonuses and made significant profits. If you’re a little flexible when it comes to choosing a bank, consider one of these active checking account bonuses:

  • Up to $400 for opening and using a new Virtual Wallet by PNC Bank – it’s $50 for a new virtual wallet, $200 for a new virtual wallet with Performance Spend or $400 for a new virtual wallet with Performance Select.
  • A bonus of $200 for opening a Chase Total Checking® account and set up direct deposit within 90 days (offer valid until July 20, 2022).
  • A $100 bonus for opening a Chase College Checking Account℠ and completing 10 qualifying transactions within 60 days (offer valid until July 20, 2022).

Additional offers are also available and change frequently, so be sure to check often to see what’s available in your area or online.

At the end of the line

Because the retail banking space has evolved rapidly in recent years, it may be time to reevaluate your banking relationship. Whether your local branch now has limited opening hours or has already closed, or your financial needs have changed, switching banks can be a great financial step for you.

Check out Select’s in-depth coverage at personal finance, technology and tools, The well-being and more, and follow us on Facebook, instagram and Twitter to stay up to date.

The interest rate and APY are subject to change at any time without notice before and after opening an American Express® High Yield Savings Account.

Editorial note: Any opinions, analyses, criticisms or recommendations expressed in this article are those of Select’s editorial staff alone and have not been reviewed, endorsed or otherwise endorsed by any third party.

The Weekly Authority: 📱 Pixel Prototype Sun, 05 Jun 2022 05:36:05 +0000

⚡ Welcome to The weekly authoritythe Android Authority newsletter that breaks down the top Android and tech news of the week. 197th edition here, with this Pixel 7 prototype, Galaxy foldable specs, Final Fantasy 16 updates, and some good news for coffee drinkers.

🎉This week marked the Queen’s Platinum Jubilee celebrations here in the UK (the first British monarch to celebrate 70 years of service!), so I took advantage of the two-day national holiday and we organized a street party here in town!

Popular news this week

Google Pixel 7 prototype bottom







Somewhere else:


best sniper

Games :

Diablo Immortal Demon Hunter Splatter


Vivo X80 Pro tilted back

Hadlee Simons/Android Authority

  • Vivo X80 Pro review: Vivo’s best, (mostly) refined – “It doesn’t reinvent the wheel, but it’s still a welcome upgrade over its already excellent predecessor.”
  • Samsung Galaxy A52s review: Jack of all trades – Premium build, great display, long-lasting battery life, and long-term software support make this easy to recommend.
  • Huawei Watch GT 3 Pro review: Titanium, ceramic and compromise – “A lot to offer but hampered by too many software flaws, missing features at launch and an extremely limited third-party app ecosystem, unless you plan to stick to a Huawei phone.”
  • Fossil Gen 5 Smartwatch review: An oldie but a goodie – The best Wear OS 2 watch you can buy.
  • Samsung Galaxy S22 Ultra review: The power user’s best friend – “In addition to the best specs and feature-rich, widely supported software, the Galaxy S22 Ultra comes with the S Pen and a plethora of productivity tools unmatched by the competition.”


Android Open Source Project AOSP mashup logo

Gary Sims/Android Authority

wandering ps5

This week PlayStation’s latest State of Play gave us a lot to get excited about, including Final Fantasy 16 news:

If you missed it, you can catch up herebut otherwise keep reading for anything you missed:

  • Things started with a new Resident Evil 4 remake trailer, which we have been waiting for but still looking forward to. It arrives on March 24, 2023, in addition to being developed for PSVR2, and will arrive on PC and Xbox Series X/S.
  • PSVR2 news continued with a look at Resident Evil Village – to be honest, it scares me a little, but congratulations to all those who have the courage to play! After the horror, there was another spooky title, The Walking Dead: Saints and Sinners Ch2, and we also got a glimpse of a VR version of No Man’s Sky.
  • But the PSVR2 trailer everyone wanted to see was a first look at Horizon Call of the Mountainwith amazing gameplay – plus news about a new patch for Horizon Forbidden West, which landed on Thursday.

Everything you need to know about PlayStation Plus

  • On to the news that excites me the most: we have a release date for Stray! It’s July 19! We have also another trailer which showed some gameplay. Oh, and it will be included in higher tiers of PlayStation Plus.
  • What else? Spider-Man is coming to PC on August 12, with Miles Morales to follow soon.
  • We’ve seen a survival horror trailer The Callisto Protocolgiving us some serious Dead Space vibes and coming December 2nd.
  • More rollerdromewas released on August 16: the roller derby sci-fi game looks pretty fun – and an anime action/dating sim eternal nights arrives in early 2023.
  • In case you missed it: Street Fighter 6 took a look, showing new character Jamie alongside Luke, Chun-Li and Ryu, coming in 2023, with Xbox Series X/S and PC versions also on the way.
  • Critically Acclaimed Tunic comes to PS4 and PS5 on September 27, and Season: A letter to the future looks intriguingly spellbinding, coming this fall.
  • But the biggest update, the one everyone was waiting for, was the Final Fantasy XVI news. We have a trailer, alongside a summer 2023 release window. I can’t. Wait.

Technical calendar

  • June 6-10: Apple’s WWDC 2022
  • June 9-12: Summer game party
  • June 10: The Quarry is out on PC, PS5, PS4, Xbox Series X, Xbox One
  • June 10: Jurassic World Dominion in theaters
  • June 12: Xbox and Bethesda Games Showcase at 12 p.m. CT
  • June 20-23: Collision (Toronto)
  • June 26-July 3: Summer games done quickly
  • July 5 at 8 a.m.: Asus ROG Phone 6 launched
  • July 19: Stray is coming to PS5, PS4, PC

Tech Tweet of the Week

A few DALL-E 2 Kermit The Frog inspired qualities – the Sopranos one is pretty awesome:

Paula Beaton, editor.


Read the original article here

Disclaimer! Global Circulate is an automatic aggregator of all the media in the world. In each content, the hyperlink to the main source is specified. All trademarks belong to their rightful owners, all materials to their authors. If you are the content owner and do not want us to publish your materials, please contact us by email – [email protected]. Content will be deleted within 24 hours.
5 Best Online Payday Loans – Online Payday Loans Same Day Deposit & No Rejection Payday Loans Direct Lenders in 2022 Fri, 03 Jun 2022 06:26:00 +0000

Online payday loans are the solution to almost any type of financial lock-up. Whether you need money to redecorate the spare bedroom, buy an expensive birthday present, or pay for an expensive car repair, online payday loans can provide you with the cash you need. Many Americans have experienced the financial flexibility offered by online payday loans, and if you’re looking for financial relief, you can too.

Loan search services such as Viva Payday Loans give borrowers quick access to lenders offering the best payday loans online. With so many online payday loan providers, it can be difficult to choose the right one. This article features the top five direct online payday loan seekers on the market, putting you in direct contact with lenders.

Best online payday loans 2022 – a quick overview

What are the best online payday loans? See our top 5 below:

  • Viva Payday Loans – Best payday loans for fast payments
  • Heart Paydays – Best for No Disclaimer Payday Loans, Direct Lenders Only
  • Credit Clock – Best Online Payday Loans With Fast Approval Process
  • Money Lender Squad – Best for $255 payday loans online same day
  • Very Merry Loans – Best online payday loans with same day deposit

Best General Eligibility Criteria for Online Payday Loans

Borrowers must meet the following criteria to obtain payday loans online.

  • Must be 18 years or older
  • Must hold US residency
  • Must earn a minimum of $1,000 per month
  • Must pass accessibility checks
  • Must have a US bank account

If you have bad credit, you can still apply for the best payday loans online through Viva Payday Loans if you meet the criteria above. While none of the loan finder sites do credit checks on your name directly, lenders offering financing might.

Five Best Online Payday Loans: Same Day Deposit for Bad Credit

1. Viva Payday Loans – Best Payday Loans for Fast Payments

Projector wire

Viva Payday Loans is known for its fast turnaround time, providing access to lenders who offer the best payday loans online in the shortest possible time. To be a successful applicant, you must meet the above loan criteria and pass affordability checks. Once the loan is approved, the funds are disbursed to the borrower within an hour. Interest rates range from 5.99% to 35.99%, depending on the lender.


  • Repayment terms from 2 to 24 months
  • Loan values ​​up to $5,000
  • Fast payments within 60 minutes of loan approval

The inconvenients

  • High interest rates up to 35.99%

Click here to request funds from Viva Payday Loans >

2. Heart Paydays – Best for No Disclaimer Payday Loans Only for Direct Lenders

700xall-(3)Projector wire

Borrowers with bad FICO scores or no credit history can apply for the best online payday loans for bad credit through the Heart Paydays portal and still stand a chance of getting the money they need if they are currently in an excellent financial situation. When using this loan finder service, borrowers are tempted to be matched with direct no-disclaimer lenders only who are most likely to view their financial situation favorably. Loan amounts range from $100 to $5,000 with APRs of 5.99% to 35.99% and 2 to 24 months to pay off.


  • Simple eligibility requirements
  • Almost instantaneous request feedback in 2 minutes
  • Flexible repayment terms

The inconvenients

3. Credit Clock – Best Online Payday Loans for Fast Approval Process

700xall-(1)Projector wire

When the best online payday loans are needed in a hurry, time seems to fly without giving you a second to catch your breath. This is where Credit Clock comes to the rescue with lenders that offer fast approval processes and even faster payments.

Credit Clock connects borrowers and lenders with the click of a button. Lenders through Credit Clock offer borrowers affordable loan amounts from $100 to $5,000 for 2 to 24 months. Interest rates range from 5.99% to 35.99%, which may seem high but may be worth the convenience, fast loan approvals and quick repayments. Check if you meet the loan criteria above and apply today!


  • Fast payments
  • The easy online application process
  • Affordable Loans

The inconvenients

4. Money Lender Squad – Best for $255 Same Day Online Payday Loans

700xall-(2)Projector wire

Money Lender Squad gives borrowers direct access to lenders without the usual hassle of traditional financial institutions. Their loan finder service helps borrowers apply for the best direct online payday loans online with a single application.

The process is simple and requires borrowers to enter their details, choose their loan amount and repayment period, and the best payday loans online appear in minutes. Online payday loans through lenders on the Money Lender Squad portal range from $100 to $5,000 with APRs of 5.99% to 35.99% and 2 to 24 months to pay off!


  • The fast online application process
  • Offers $255 payday loans online and same day deposit
  • Loan amounts up to $5,000

The inconvenients

  • Not all requests are guaranteed to be approved

5. Very Merry Loans – Best Online Payday Loans with Same Day Deposit

700xall-(5)Projector wire

If you don’t need a large loan, the best online payday loans are available through the Very Merry Loans portal lenders. Loan amounts are kept small to keep them affordable, and APRs typically range from 5.99% to 35.99%. Additionally, lenders on the Very Merry Loans platform are known to pay on the same day as loan approval, giving borrowers access to seemingly instant cash. If you meet the general loan criteria mentioned above, you can easily apply for some of the best payday loans online through lenders on the Very Merry Loans platform.


  • Same day payments
  • Flexible loan terms
  • Quick online application in 2 minutes

The inconvenients

  • Loan amounts capped at $2,000

Best Online Payday Loans Same Day Features and Considerations

Credit checks

Most online payday loans through US-based lenders are subject to credit checking by law. No credit check, instant approval. However, if you have a bad FICO score but your financial situation has improved, you can still apply online for the best payday loans.


Affordability is key when applying for the best payday loans online. When processing your application, lenders will do an affordability check, such as comparing your bank account to expenses and pay stubs.


Your loan agreement will specify the penalties and fees associated with your loans. Therefore, it is best to familiarize yourself with the terms of the loan agreement to avoid paying early or late repayment fees.


Online payday loans are an excellent form of financing for those who need funds quickly. They give you the flexibility you need between now and your next payday if you find yourself in a difficult financial situation.


What are the best and easiest payday loans to get same day?

Online payday loans are fast, simple and convenient. First, borrowers complete a simple online application that connects them to a panel of lenders. From there, lenders assess the borrower’s affordability and, if they can afford the loan, funds are usually disbursed the same day.

What is the highest payday loan to get?

Online payday lenders offer loans between $100 and $5,000. Depending on the lender, APRs can range from 5.99% to 35.99% with the providers mentioned above. However, most lenders offer flexible repayment terms of 2-12 months or 2-24 months.

What are the best online payday loans?

Borrowers asking about the best payday loans online can use a range of loan search platforms such as Viva Payday Loans to find the best loan for them. Loan finder services simultaneously connect the borrower to a wide range of lenders. This means they are more likely to get a loan because multiple lenders have assessed their applications.

Disclaimer – The above content is not editorial, and Economic Times hereby disclaims all warranties, express or implied, in connection therewith, and does not necessarily warrant, guarantee or endorse any content. The loan websites reviewed are loan matching services, not direct lenders. Therefore, they are not directly involved in the acceptance of your loan application. Applying for a loan with the websites does not guarantee acceptance of a loan. This article does not provide financial advice. Please seek the assistance of a financial advisor if you need financial assistance. Loans available only to US residents.

Orange Credit announces the launch of a low-interest loan Wed, 01 Jun 2022 02:00:00 +0000

SINGAPORE – Media outreach – June 1, 2022 – Orange Credit, a legal and licensed lender in Singapore, has announced the launch of its latest loan, with a loan interest rate as low as 1% per month. This new initiative will be used for its personal loans, bridge loans and payday loans.

The launch of the new 1% loan by Credit Orange does not include administration fees, according to the applicable terms. Eligible applicants with an annual income above S$30,000, no outstanding loans from other approved lenders, as well as outstanding unsecured loans from banks not exceeding three times the amount of their monthly income may apply for the ready.

This lending initiative was born out of Orange Credit’s advocacy of responsible borrowing and lending to the public with the aim of minimizing personal debt in Singapore. Thus, Orange Credit is dedicated to exploring disposable income with borrowers, in addition to supporting borrowers in terms of debt consolidation loans in singapore. This comes from the fact that she strives to focus on the priorities of her clients in order to provide the optimal solutions to their financial worries.

Orange Credit is a reliable professional approved lender in Geylang, offering flexible, easy and fast cash loans with quick and hassle-free loan approval in Singapore. Orange Credit has steadily expanded its customer base since its inception by offering a variety of loans, such as debt consolidation and business loans in Singapore, to ease the financial concerns of people in need and businesses that have intend to grow. With no hidden fees, all documentation is straight forward and simple. This allows Orange Credit to speed up loan procedures, which results in a quick approval of ready.

For more information about Orange Credit and its reliable range of money lending services, please visit


The issuer is solely responsible for the content of this announcement.

How to get fast money for auto repair Mon, 30 May 2022 12:15:29 +0000

No one wants to be in a situation where their car breaks down and they don’t have the money to fix it. If this happens to you, don’t panic! There are ways to get the money you need fast, like getting a Loan 1000 dollars now so you can get your car back on the road. In this blog post, we will discuss five steps that will help you get the money you need for auto repair. Follow these steps and you’ll be well on your way to fixing your car and hitting the road again!

Car breakdown: the statistics you need to know

Car breakdowns are always frustrating, especially when you’re short on cash. But whatever the case, you’ll have to figure out what the problem is given how much money you used to buy it. For example, according to CarGurus, a minivan costs $34,284, a BMW costs $35,549 while a Chevrolet costs $30,581 on average.

The amount used to buy the car is high so you will need to maintain it well to survive longer. Auto repairs are unavoidable. Every once in a while, your car will suffer a flat tire that will require repair.

A Statista report showed that in the last quarter of 2020, approximately 234,700 automotive repair and maintenance centers were present in the United States, indicating a 0.9% increase over the previous year.

So how can you get the money to buy the auto parts or get the auto repair service?

How to get fast money for auto repair

There are different sources to get quick cash for auto repair. The fastest and most effective option is your emergency savings. This option is uninteresting and easy to access. But it’s not always that we have the savings available to grab. Savings can be in a fixed account where they are not available or if they are available they are not enough.

How are you going to handle this situation? You can consider taking out a loan. Here are some examples of auto repair loan types to consider.

1. Personal auto repair loans

Auto repair personal loans are types of installment loans where borrowers lend a certain amount and repay it in installments. The total amount you will pay for the installments will be more than the amount you borrowed due to added interest. Personal loans have an average interest rate between 9% and 36%.

To be approved for the loan, you will need to have a good credit rating. A good credit score ranges from 750 and up, but you can also get a pretty good deal with a score of 720.

If you have a lower score, you can consider taking options such as securing the loan with collateral like the car, getting a co-signer, or getting bad credit personal loans. This last option will however have great interests but it can help out.

You can get personal loans between one and seven days depending on the type of lender you borrow from. Loans are available from traditional banks, online lenders and credit unions.

2. Credit cards

Credit cards are the type of revolving credit where you will have access to funds as long as you continue to make regular payments when needed. Interest rates vary and are charged when funds in the borrower’s account are used.

Again, credit cards can be used to purchase almost anything, including auto parts. If you need a loan for a car repair, you can consider using the credit card cash advance option where you will get a loan from the funds in your account. The interest rates will however be relatively higher than normal credit cards.

If you manage to pay off the entire credit on time, you will benefit from introductory rates of 0%, which means that no interest will be incurred on normal credit cards. Also, paying the credit on time will increase the chances of getting your credit limit increased.

However, you can carry over your loans to the next month, but you will incur additional interest which, if you are not careful, can put you in a cycle of debt.

3. Payday Loans

Payday loans are short term loans that have a very fast approval time and little documentation included. The only requirements you will be asked are your proof of identity, proof of stable income and an active account to deposit the funds. Loans can be granted from minutes to an hour from the time of application.

These loans are unsecured, so no collateral is needed and no credit check is done. They can be used for anything, including paying for auto glass repair or any type of car repair you have. The amount granted varies by lender, but it is normal to get a loan of 1000 dollars now.

Well, they may look so perfect, but the main downside is the high interest included. They typically have an APR over 400%, which means you’ll be charged an additional amount of between $10 and $30 for every $100 borrowed.

High interest can leave you in a huge cycle of debt if you are not well planned on repayments, so you need to be careful when getting these loans. But if you have a good repayment plan, auto repair payday loans can be a great option.

4. Personal lines of credit

Personal lines of credit are similar to credit cards in that they are also a type of revolving credit. This means that you have access to certain funds as long as you make regular payments with interest included. Interest rates are calculated based on how much you use so they are variable. If you take smaller amounts, you will incur less interest.

Personal lines of credit are unsecured, which means the risk of default is quite high. For this reason, the loans have fairly high interest, but not as high as payday loans. Their approval period, however, is longer than payday loans. Funds can be accessed through credit checks or wire transfers.

5. Securities Lending

Title loans are short-term loans that must be secured upon application. You can use your car as collateral where the car will go through a screening process to determine its value. The loan will then be granted to you according to the value of the car. The amount varies between 25% and 50% of the value of your car.

Title loans can be applied physically or online. However, you will still need to bring the car to the physical lending establishment for inspection, even when applying online. You will also need proof of car ownership, car insurance and a driver’s license.

Title loans have an average APR of 300%, so they are quite high. You need to be careful about the high interest involved to avoid missed payments and the negative consequences that come with it.


Getting money for auto repair is not difficult. You will need to do your research to find the best option that closely matches your situation.